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Factors Influencing Investment Decisions among College Students: A Comparative Analysis Between India & Nigeria Karamchandani, Devanshu; Anjali, Anjali; Obinwa, Etoo Emmanuel; Nandana, R Devi; Panda, Kunal; Hui, Gan Kia; Peter, Okwu; Pandey, Rudresh; Aun, Teoh Bak; Huei, Lok Yee
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 7, No 1 (2024): February 2024
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v7i1.2897

Abstract

Investment is done for the purpose to gain profitable returns. Investing in a well-diversified portfolio offers a multitude of benefits, including capital appreciation to grow wealth over time. As a student, managing finance can be challenging, but exploring opportunities for passive income can make a significant difference in financial stability and independence. This study endeavors to comparatively analyze the factors influencing investment decisions among college students in India and Nigeria. Demographics play a pivotal role in shaping investment choices, and understanding the differences in the attitude of these countries is vital for effective financial education initiatives. The study reveals that there is a positive relationship between different factors that students consider when making these decisions. Factors such as financial security, return on investment (ROI), and risk minimization are found to have a significant impact on their choices.
Customer Satisfaction toward Digital Banking Services among Young Adults Hui, Gan Kia; Khursani, Hani Ariesha Binti; Yi, Goh Jie; Heng, Gooi Yi; Xi, Ge Ru; Kee, Daisy Mui Hung
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 9, No 1 (2026): February 2026
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v9i1.4378

Abstract

This study aims to investigate customer satisfaction toward digital banking services among young adults. As digital banking becomes an essential part of financial activities, understanding factors that influence user satisfaction is crucial. Four dimensions of reliability, security, responsiveness, and convenience are the areas of focus of this study to understand their effects on overall satisfaction. A quantitative research design is utilized by conducting an online survey to 150 young consumers aged between 18 and 30. The postulated results indicate that security and reliability have the highest positive influence on customer satisfaction, followed by responsiveness and convenience having considerable influence. It is expected that the findings of the study will provide pragmatic suggestions to banks and fintech companies to improve service quality, customer credibility, as well as long-term relationship with young adult consumers.